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Just got a summons for a credit card loan

Date: Fri, 06/09/2006 - 09:12

Submitted by anonymous
on Fri, 06/09/2006 - 09:12

Posts: 202330 Credits: [Donate]

Total Replies: 5


i just got a summons for a credit card loan- providian- does anyone know what happens when you go to court ....do they make you pay all the money at once or if the put a judgment on you do you still have to pay it all at once? anyone have this problem?


Dee

You can still work out something with Providian and stop the matter from reaching the court. Give a try! Explain your problems and offer your payment plan. Send some money along with your proposal. Taking the matter to the court will not help them in getting their money in one time. Besides, there are court costs and fees involved with the case filing. If they feel like accepting your proposal, get in writing that the case has been withdrawn.

In case the matter reaches the court, the judge will look into your side of the story and understand your problems. Your financial situation will be assessed before judgment is issued. Most common form is the wage garnishment in which a maximum of 25% of the disposable income is garnished. You will be offered easy repayment options set by the court. Don't default in your payments set by the court otherwise situation might become severe.

Try to settle the matter outside the court at this time. Talk to a professional debt counselor if he can help you in this direction. You can still put things back in shape before it gets too late.

Read some pages in this forum similar to your situation. You will find a way out

http://forums.debtcc.com/forums/about9376.html

http://forums.debtcc.com/forums/about9479.html


lrhall41

Submitted by Justme on Fri, 06/09/2006 - 17:14

( Posts: 479 | Credits: )


Wages cannot be garnished in PA except for child support. Besides, the Dept of Revenue can garnish wages without court orders if they are collecting for unpaid state taxes. The taxpayer will be notified by the department to contact their employer and begin the withholding. If a taxpayer fails to pay the tax liability, the employer will be asked to begin the garnishment and send the payments to the Commonwealth. Employers are allowed to keep 2 percent of the amount for doing the additional bookkeeping.


lrhall41

Submitted by GunsNroses on Mon, 06/12/2006 - 11:51

( Posts: 485 | Credits: )